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Penine Debt Recovery and Student Loan
Hello, I've searched the forum for some answers regarding this, but can;t seem to find anything. About 6 months ago Pennine Debt recovery contacted me demanding repayment of my Student Loan which were taken out between 1995 and 1998 I foolishly agreed to pay them 50 Pounds a month. Via Standing order. After reading a bit…
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Lets Take a Deep Breath Together in the virtual toilet!
Im just having one of those days. Everything feels like it is pressing down on me. Have just come back from the toilets after taking lots of deep breaths (not always the best thing to do in a communal office toilet, but hey, Im still alive!). :rolleyes: Has anyone else had to do the same today and how is everyone coping…
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Address for Barclaycard
Hi all, I'm just doing a SAR request so that I can reclaim charges, but I can't find an address on my statement, only one for payments. Does anyone know the right address? Also, they've asked me to send another I&E form in, again I'm not sure where to send it. Cheers.
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Debts, Equifax and Errors
Hi Guys Im new to the forums, but a long time reader. You guys have helped a me number of times using the advice found on the forums. A bit of backstory; about 6 years ago, when i was 18ish i started getting myself into a large amount of debt, just by being stupid, and by the time i realised what i was doing, it was too…
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Charges and Co-op
Hi All, Hoping that you can lend an understanding ear. Hoping not to get jumped on by trolls like i normally do for being stupid enough to get charged. My hubby's car broke on friday and he, thinking that we had 'plenty' to cover it, paid the £300+ to fix it up again. we only had £310 + in the account andconsequently I've…
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parent 3 years off retiring but too much debt!
Good morning, Looking for a little advice please. My parents are 60 and 62 with lots of debt. They have a mortgage and a loan which will be paid in 3 years but they have another loan which has got another 8 years to go and thousands on sredit cards. They are really struggling living off the cards but 2 weeks ago my dad had…
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Advice needed please.....
My husband has got into arrears with a loan taken out to buy a car. It is currently being handled by D & G Solicitors. He has made payments towards the amount through these solicitors but says he cannot keep up paying at these rates as he is self-employed and doesn't earn enough. There response is that until he pays the…
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100 Day Challenge
Hi all, I am setting myself a challenge to not buy any cosmetics, skincare or hair care for the next 100 days. That should take me up to 23 December. These items are my BIG downfall, especially cosmetics. Anyone want to join in feel free. Just decide what you want to stay away from for 100 days. Wish me luck and gook luck…
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Advice needed - 1st Credit & Full and Final....
Morning, right I offered 1st credit a full and final figure. they've contacted me saying that they cannot accept the figure and will only accept the full amount. Now, what do you suggest I do from here, do I offer another amount or do I go in for another amount? Really need some advice... Thanks X
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Monday 15/09/08 What small dfw things will you do today????
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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How long did your dmp take to get started?
I am waiting for my paperwork to come through from cccs for a dmp and was wondering how long it took for other people to complete the process from application to first payment?
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DFW Daily Chat 15th Sept
morning guys and gals Monday Mayhem - Living Room, Hall and Stairs Level 1 Vacuum through the living room, hall and stairs Level 2 Dusting, even if around everything Remove clutter making sure stairs especially are safe Clean windows and all glass.. including the tv screen Clear the mantel and only put back the items which…
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pap/moozies what have/will you spend today thread
Morning all, yes tis really early to start this thread but been having nightmares and cant sleep So its Monday and the start of a new week, so what will/have you spend/spent? Remember to try and keep it low and remember Martins money mantra Take care all and have a wonderfull day
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used my debit card to pay of oh catalogue bill
well this past month i have stumbed upon the financial mess my oh has created for himself both before we were together and while we have subsequently been together. I have managed to get him sorted with most of his outstanding debts however this catalogue bill just never seemed to get sorted. Well it wasnt a lot of money…
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Knowing bankruptcy is the best option, I have some questions.
I have sought advice from various sources, including the CCCS and other sources. I've looked at all the options and decided the only livable solution for me is bankruptcy. However, I still have a question: House Value: £110000 Secured Debts: £57000 (Mortgage) £58000 (Second Charge, Secured Loan) £115000 Total Unsecured…
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DCA enforce or not after 14 years?
Hi there I have gone through all the official protocol according to the CCA regs on this wonderful site :money: , my last letter to Marlins solicitors was back in May 2008 stating that they had not met the requirements supplying the CCA therefore now an unenforceable debt etc etc. Then i got a letter from them yesturday…
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Quidco Question
Hello, Sorry to bother you all but I've a Quidco question, never used it before, here goes ..... When your earnings show an amount received is that it, you've got it or can it still be declined & not paid to you. I don't think I quite believed I could get something for nothing & bought some stuff in July & forgot about it,…
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Help with juggling credit card debt
Around a year ago we stretched ourselves to buy a new house and didn't quite use enough of our previous house's equity to cover the refurnishing costs. Hence, we lumped it all on credit cards and now have a fair bit of debt. We're currently paying a horrendous amount of interest and want to cut it down as much as possible.…
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Old Barclaycard Debt
Hi. New member with a question. I defaulted on a barclaycard account about 7 years ago and the debt was eventually 'sold' on to CABOT with an outstanding balance of around £6k. I have been paying them around £100/month and the balance is now about £3k. This £100/month is finally taking it's toll on me and not been one not…
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Pro rata payments help please
Hi Can anyone please advise how I work out pro rata payments. Have 2 debts left as council tax has been set by council. Credit card 2600 Powergen 890 Money available 20.00 These are my hubbys debts which I am helping him to deal with.
